Financial Federal Bank
Total assets
$1.12B
▲ +3.5% YoY
Deposits
$879.7M
▲ +8.7% YoY
Loans
$1.07B
▲ +3.8% YoY
Offices
1
FINANCIAL FEDCORP INC
ROA (annualized)
1.01%
peers 1.26%
ROE (annualized)
10.30%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Financial Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.5% | -2.0 pts |
| Deposit growth (YoY) | +8.7% | +5.1% | +3.6 pts |
| Loan growth (YoY) | +3.8% | +5.9% | -2.1 pts |
| ROA | 1.01% | 1.26% | -0.3 pts |
| ROE | 10.3% | 12.2% | -1.9 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
Profile
- Established
- 1973
- Charter
- State
- Primary regulator
- FED
- Holding company
- FINANCIAL FEDCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 1715 Aaron Brenner Dr, Memphis, TN, 38120
- County
- Shelby
- Metro area
- Memphis, TN-MS-AR
- Offices
- 1
- FDIC cert #
- 31840
- RSSD ID
- 590976
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.12B | $879.7M | $1.07B | $110.2M | $5.6M | 1.01% | 2.62% | 0.05% |
| Q1 2026 | $1.12B | $858.6M | $1.06B | $109.7M | $2.9M | 1.04% | 2.57% | 0.21% |
| Q4 2025 | $1.10B | $873.7M | $1.04B | $107.1M | $7.9M | 0.73% | 2.26% | 0.22% |
| Q3 2025 | $1.10B | $840.8M | $1.04B | $107.3M | $6.6M | 0.82% | 2.19% | 0.50% |
| Q2 2025 | $1.09B | $809.5M | $1.03B | $105.9M | $4.1M | 0.76% | 2.10% | 0.47% |
| Q1 2025 | $1.07B | $814.0M | $1.03B | $104.7M | $1.9M | 0.72% | 2.03% | 0.05% |
| Q4 2024 | $1.06B | $796.3M | $1.01B | $102.9M | $3.2M | 0.31% | 1.72% | 0.09% |
| Q3 2024 | $1.06B | $793.8M | $1.01B | $103.2M | $3.2M | 0.42% | 1.66% | 0.02% |
Loan mix (Q2 2026): real estate $899.0M · commercial $153.3M · consumer $27.9M · securities $0
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Financial Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.26% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.70% | 6th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 59.0% | 39th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Financial Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Financial Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Financial Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Financial Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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